The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$48,302
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,805
−HK$1,526/mo
Today · 4.125%
HK$51,331
baseline
▲ 0.50% · 4.625%
HK$54,455
+HK$3,124/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,662/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,736
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,177
−HK$1,462/mo
Today · 4.125%
HK$56,639
baseline
▲ 0.50% · 4.625%
HK$59,624
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,278/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,963
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$59,766
−HK$1,831/mo
Today · 4.125%
HK$61,597
baseline
▲ 0.50% · 4.625%
HK$65,345
+HK$3,748/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,194/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,483
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,212
−HK$1,755/mo
Today · 4.125%
HK$67,967
baseline
▲ 0.50% · 4.625%
HK$71,549
+HK$3,582/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,934/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,623
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,726
−HK$2,138/mo
Today · 4.125%
HK$71,864
baseline
▲ 0.50% · 4.625%
HK$76,236
+HK$4,372/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$143,728/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,230
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,248
−HK$2,046/mo
Today · 4.125%
HK$79,294
baseline
▲ 0.50% · 4.625%
HK$83,474
+HK$4,180/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$158,588/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,944
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,648
−HK$2,748/mo
Today · 4.125%
HK$92,396
baseline
▲ 0.50% · 4.625%
HK$98,018
+HK$5,622/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,792/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,724
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,318
−HK$2,632/mo
Today · 4.125%
HK$101,950
baseline
▲ 0.50% · 4.625%
HK$107,324
+HK$5,374/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,900/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,278 · Scale 2, in force from 26 Feb 2026)